| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 9.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WESTSHORE ROAD TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $659 | — | $659 | 4.00% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FORT LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 2.26% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 1.25% |
| ADV BENEFIT SYS INC & OTHER AGENTS3 Filed as: ADV BENEFIT SYSTEM AND OTHER AGENTS | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.93% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.76% |
| CHAUNDRA F MILES-WALKER3 Filed as: CHAUNDRA F. MILES-WALKER | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.65% |
| ROBERT BAXTER3 | 2739 VIA PIAZZA LOOP FORT MEYERS, FL 33905 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.65% |
| THOMPSON SUCCESS PARTNERS, INC.4 | 2776 GEARY STREET MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $485 | — | $485 | 21.56% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOCIATES INC. | 954 TYLER STREET HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $73 | — | $73 | 3.24% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES, LLC | 1715 NORTH WEST SHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $43 | — | $43 | 1.91% |
| CYNTHIA LERNER RUBIN4 Filed as: CYNTHIA L. RUBIN | 445 DOCKSIDE DRIVE, SUITE 801 NAPLES, FL 34110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7 | — | $7 | 0.31% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $173K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $173K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $173K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $173K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.